Keystone Heights 32656

Clay County, FL · 11,328 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

61affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

24.4%

affordable

Days on market

daily

Price cuts

29.3%

of active

Look up an address

/100

Strong Market

warming · buyer advantage · prices rising year-over-year.

Price trend

Affordability

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

Negotiate Hard

DOM: 70d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)0

Valuation Gap (25%)100

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)50

Days on Market (5%)75

Moderate buyer leverage in 32656. Room to negotiate 5-10% below list. Payment burden: 23.8% of median income. Median days on market: 70. Renting is approximately 29% cheaper than buying (price-to-rent ratio: 15.5). Market appears 46% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

WARMINGBUYER ADVANTAGE

Market is warming with rising prices. Buyers have strong negotiating leverage.

Address lookup$99 report path

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/jacksonville/zip/32656?utm_source=embed&utm_medium=backlink">Keystone Heights 32656 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$288,040

▴ 3.0% YoY

Days on market

daily · zip_data

Median rent

$1,625

ZORI

Investor score

74/100

cash-flow lens

Active listings

90-day

Valuation3 lenses, different anchors

vs assessor

—

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$0

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+66.9%

County-wide market — the widest, slowest signal.

Clay+66.9%

Bradford+76.1%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$87

Price-to-income3.9×

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How 32656 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity38%

Supply tightness45%

Affordability85%

Investment yield48%

Appreciation91%

Affordability, supply & momentum

21SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply23.3 mo

Days on Market78d

Inv vs History+0.1%

Listing Density13.3/1k

Affordability — payment burden

Monthly payment (P&I)$1,488

Payment burden24.4%

Median income · ZIP$73,201

Mortgage rate6.71% · 30yr

Total monthly own$1,776

Monthly rent$1,625

Market dynamics

Price cut %29.3%

Momentumwarming

LeverageBUYER ADVANTAGE

Months of supply23.3

Sales (90d)0

Investment analysis

Median rent$1,625

Price-to-rent15.5

Est. cap rate4.2%

Buy vs rentfavors buying

Livability

Walk score4

Transit score—

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Clay.

Current tiers · 12 months to Aug 25floor 10 sales/tier

4 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$75k	$135	218	63.4%	ZIP
$250k–$500k	$305k	$184	110	32.0%	ZIP
$500k–$750k	$530k	$207	10	2.9%	ZIP
$750k–$1M	$836k	$266	60	—	COUNTY · Clay, FL
$1M–$1.5M	$1.10M	$314	32	—	COUNTY · Clay, FL
$1.5M–$2M	$1.64M	$413	11	—	COUNTY · Clay, FL
$2M+	$4.00M	$433	19	—	COUNTY · Clay, FL
All sales (the headline median)	$195k	$161	344	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32656.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Clay County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

This ZIP code crosses county lines. Property data shows Clay (90.4%) and Bradford (9.6%). County metrics below are shown separately for each county.

Clay (90.4%)

Bradford (9.6%)

ZIP 32656→2 counties

12-Month Direction

-1Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

44· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden60

24.3%

affordable

Source: Lotvox · Updated 2026-05-15

Buy vs Rent47

1.298x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation19

+66.9%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand13

3.8 mo

balanced

Source: Lotvox MLS · Updated 2026-05-15

Insurance Risk

44/100

low_risk

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators are mixed relative to comparable U.S. counties.

Unemployment Rate

Near national averages

Source: BLS LAUS · 2026-0667d ago

Poverty Rate

Lower than most U.S. counties

Median Household Income

Higher than most U.S. counties

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$336,835

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors